Compare Car Insurance Rates for a Jeep TJ

Having to pay for high-priced car insurance can bleed your savings account and make it impossible to make ends meet. Comparing rates annually is recommended to cut your insurance bill.

Companies like Progressive, State Farm and GEICO continually bombard you with ads and consumers find it hard to see through the deception and find the best price available.

Finding cheap Jeep TJ car insurance rates can be quick and easy. You just need to spend a few minutes on the computer comparing rate quotes to see which company has . This can be accomplished using one of these methods.

1. Hands down the most simple method to get quotes would be an industry-wide quote request form click to view form in new window. This type of form keeps you from doing repetitive form entry for each price estimate. A single, simple form gets coverage cost estimates from many national carriers.
2. A more difficult way to obtain and compare quotes online requires visiting each company website to complete their respective quote request forms. For example, we’ll pretend you want comparison quotes from Nationwide, GEICO and GMAC. In order to compare rates, you need to spend time on each company’s site and repeatedly enter your information, which can get old fast. To view a list of companies in your area, click here.

Whichever method you choose, make sure you compare the exact same coverage limits with each company. If your comparisons have mixed coverages it will be impossible to determine the best price for your Jeep TJ.

Car insurance ads bend the truth

Consumers get pounded daily by advertisements for cheaper car insurance from companies such as Allstate and Progressive. All the ads tend to make the same promise about how much you will save just by moving your policy.

How do they all charge less that you’re paying now? This is the trick they use.

Different companies give the cheapest rates for the type of driver that earns them the most money. A good example of a driver they prefer should be over the age of 50, has few claims, and drives a car with an anti-theft system. A customer getting a price quote who fits that profile will get the preferred prices and will most likely save when switching.

Consumers who do not match this stringent profile will probably be forced to pay higher prices and this results in the customer buying from a different company. The wording the ads use say “customers that switch” but not “everyone who gets a quote” save that kind of money. That’s the way insurance companies can make the claims of big savings.

Because every company is different, you should quotes as often as possible. You cannot predict the company that will have the lowest auto insurance rates for your situation.

Smart Consumers Can Lower Their Insurance Premiums

An important part of buying insurance is that you know some of the factors that are used to determine your car insurance rates. If you understand what determines premiums, this enables you to make decisions that may result in lower premium levels.

The items below are just a few of the factors utilized by car insurance companies to help set your prices.

• Teenage driver insurance prices – Older, more experienced drivers are proven to be safer behind the wheel, are lower risk to insure , and are generally more financially stable.Young drivers have been known to be inattentive and easily distracted in a vehicle so they pay higher car insurance rates.
• Do you really need the add-on coverages? – There are a ton of extra bells and whistles that can add up on your TJ policy. Coverages for coverage for rental cars, towing, and extra life insurance coverage could be just wasting money. They may seem good when buying your policy, but now you might not need them so consider taking them off your policy.
• Never let your car insurance policy lapse – Allowing your coverage to lapse can be a guaranteed way to pay more for car insurance. And not only will insurance be more expensive, getting caught without coverage may earn you a license revocation or jail time.
• Urban residents pay more – Being located in a rural area is a positive aspect when trying to find low car insurance rates. Fewer drivers and short commutes means a lower chance of having an accident and a lower car theft rate. Drivers in populated areas regularly have more aggressive driving styles and higher rates of accident claims. The longer drive time translates into higher accident risk.
• Driving citations inflate rates – Your driving record influences premium rates substantially. Careful drivers pay less for auto insurance than bad drivers. Just one chargable violation can increase the cost of insurance by twenty percent. Drivers who have received multiple citations such as DUI, reckless driving or excessive speeding may find they need to submit a SR-22 form with their state’s department of motor vehicles in order to prevent their license from being revoked.
• Save money by having multiple policies – Some insurance companies afford better rates to policyholders that purchase more than one policy in the form of a multi-policy discount. Even with this discount applied, you still need to compare rates to guarantee you are still saving the most. You may still find lower rates by buying insurance from more than one company.
• Lower mileage equals lower premium – The higher the mileage driven in a year’s time the more you will pay for car insurance. Most insurance companies apply a rate based upon how much you drive. Vehicles left parked in the garage can be on a lower rate level compared to those used for work or business. A policy that improperly rates your TJ can result in significantly higher rates. It’s a smart idea to ensure your car insurance coverage is rated on the correct usage.
• Marriage discount – Having a wife or husband can actually save you money on car insurance. Marriage means you’re more responsible and it’s proven that being married results in fewer claims.

Discounts for lower car insurance rates

Insuring your vehicles can cost a lot, but you may find discounts to cut the cost considerably. Some of these disounts will be visible at the time of purchase, but some need to be manually applied prior to receiving the credit.

• Low Mileage – Low mileage vehicles can qualify you for slightly better prices than normal.
• Pay Early and Save – If you can afford to pay the entire bill as opposed to paying monthly you can actually save on your bill.
• Telematics Data Discounts – Insureds who allow driving data submission to track driving manner by using a telematics device in their vehicle like Drivewise from Allstate or In-Drive from State Farm could see a rate decrease as long as they are good drivers.
• Discount for Life Insurance – Some insurance companies give better rates if you take out a life policy as well.
• Club Memberships – Affiliation with qualifying clubs or civic groups could qualify you for a break when shopping for car insurance.
• Discounts for Government Workers – Simply working for the federal government could provide a small rate reduction for TJ coverage depending on your company.
• Theft Deterent System – Vehicles with anti-theft systems are stolen less frequently and will save you 10% or more.
• Drivers Ed for Students – Reduce the cost of insurance for teen drivers by having them participate in a local driver’s education class in school or through a local driver safety program.

We need to note that most credits do not apply to the overall cost of the policy. Most cut specific coverage prices like liability, collision or medical payments. Just because you may think you could get a free car insurance policy, car insurance companies aren’t that generous. Any amount of discount should definitely cut the amount you have to pay.

A few companies who might offer some of the above discounts possibly include:

• State Farm
• Farmers Insurance
• GEICO
• American Family
• Nationwide
• Progressive

If you need lower rates, check with every company how you can save money. Some discounts listed above might not be available to policyholders in every state. If you would like to choose from a list of providers that offer the discounts shown above, click here to view.

Tailor your car insurance coverage to you

When it comes to choosing the best car insurance coverage, there really is no “best” method to buy coverage. Everyone’s needs are different and a cookie cutter policy won’t apply. Here are some questions about coverages that may help highlight whether your personal situation might need an agent’s assistance.

• Who is covered by my policy?
• Can I afford low physical damage deductibles?
• Are my friends covered when driving my Jeep TJ?
• Does my personal policy cover me when driving my company car?
• Should I file a claim if it’s only slightly more than my deductible?
• Does having multiple vehicles earn me a discount?
• Why does it cost so much to insure a teen driver?

If you’re not sure about those questions but one or more may apply to you, you might consider talking to an insurance agent. If you don’t have a local agent, complete this form or go to this page to view a list of companies. It’s fast, free and you can get the answers you need.

Don’t give up on affordable coverage

Some companies may not offer online price quotes and most of the time these regional insurance providers only sell through local independent agents. More affordable car insurance is definitely available both online in addition to many insurance agents, and you should compare price quotes from both to have the best rate selection.

As you go through the steps to switch your coverage, don’t be tempted to reduce needed coverages to save money. In many instances, an insured cut uninsured motorist or liability limits only to find out that it was a big mistake. Your goal should be to purchase plenty of coverage for the lowest price and still be able to protect your assets.